Wauwatosa, WI · Charter 66528
Q3 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.28% | -0.36% | -0.51% | -0.43% | -0.33% | -0.31% | -0.32% | -0.37% | +6 bps | |
| Return on Equity | -1.74% | -2.40% | -3.33% | -2.93% | -2.15% | -2.15% | -2.20% | -2.60% | +33 bps | |
| Net Interest Margin | 2.95% | 2.51% | 2.57% | 2.48% | 2.54% | 2.19% | 2.31% | 2.36% | -12 bps | |
| Efficiency Ratio | 103.34% | 109.47% | 112.96% | 111.15% | 108.93% | 109.12% | 109.03% | 110.52% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.04% | 0.26% | -3.26% | -4.86% | 3.21% | 2.81% | 3.55% | 0.02% | +488 bps | |
| Loan Growth (YoY) | -14.04% | -0.80% | -0.77% | -1.71% | 2.56% | 4.55% | 17.45% | 17.46% | +1,917 bps | |
| Share Growth (YoY) | -3.09% | 0.80% | -3.18% | -5.11% | 4.09% | 2.88% | 4.65% | 0.32% | +543 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 0.15% | 0.47% | 0.06% | 0.01% | 0.01% | 0.74% | 0.61% | +55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.26% | 0.25% | 0.25% | 0.19% | 0.19% | 0.16% | 0.16% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.98% | 14.97% | 15.24% | 14.64% | 15.16% | 14.27% | 14.49% | 14.37% | -28 bps | |
| Net Worth / Assets | 15.98% | 14.97% | 15.24% | 14.64% | 15.16% | 14.27% | 14.49% | 14.37% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.57% | 53.20% | 56.20% | 53.39% | 55.73% | 54.06% | 63.08% | 62.51% | +912 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 95.77% | 0.00% | 0.00% | 0 bps | |